Dispute ID: 5285802. DND: 2022-10-12. REG E claim. Old account.  CH is disputing 2 UT from Anco Bar Nav Sa De amounting to $330.28. As per Penny, card is in possession at the time of transactions. PIN stated as "memorized and and is in mm's computer". No merchant credit found as of this time. No claim cancellation. Disputed card ending in 3232 is closed. 
INVESTIGATION FOUND: 
Moto Blank Entry Mode 5 Card-Present No CB Rights
UT timeline: 2022-10-07 to 2022-10-12
✔With funding event from Card to Card amounting to $1449.15before the authorization of the disputed transaction from ANCO BAR NAV SA DE CV.
✔In Galileo, deny code 43 and 54 was captured within the UT timeline but not related with the disputed merchant, however they are on the same disputed card ending 3232. 
✔No fraud alert.
✔RTA response code 43 and 54 was captured within the UT timeline but not related with the disputed merchant, however, they are on the same disputed card ending 3232.
✔ RTA: AVS RESULT B, AVS RESULT B.                                                                                                                               
✔The disputed card present transaction is within the vicinity with the member's address on the account, approximate time 25mins.                                                                                                                                 
✔VISA : AVS Result:		Address verification is not applicable for all disputed transactions.
✔No PII changes captured within UT timeline. No signs of ATO.
✔There is freezing, unfreezing of the disputed card within the UT timeline.
✔There is enough evidence to deny the claim. Final resolution, 
✔NO ERROR FOUND.
Sent ZD #. VROL Case #
Case closed.